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    <element id="SNFCA_ScheduleOfChangesInTheConsolidatedBalanceSheetLineItemsMeasuredUsingLevel3InputsTableTextBlock" name="ScheduleOfChangesInTheConsolidatedBalanceSheetLineItemsMeasuredUsingLevel3InputsTableTextBlock" nillable="true" xbrli:periodType="duration" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_ScheduleOfFinancialInstrumentsCarriedAtOtherThanFairValueTableTextBlock" name="ScheduleOfFinancialInstrumentsCarriedAtOtherThanFairValueTableTextBlock" nillable="true" xbrli:periodType="duration" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" />
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    <element id="SNFCA_SummaryOfUnpaidPrincipalBalancesOfTheServicingPortfolioTextBlock" name="SummaryOfUnpaidPrincipalBalancesOfTheServicingPortfolioTextBlock" nillable="true" xbrli:periodType="duration" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_AssumptionsUsedInDeterminingMsrValueTextBlock" name="AssumptionsUsedInDeterminingMsrValueTextBlock" nillable="true" xbrli:periodType="duration" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_ScheduleOfOpeningAndClosingBalancesOfReceivablesContractAssetsAndContractLiabilitiesTextBlock" name="ScheduleOfOpeningAndClosingBalancesOfReceivablesContractAssetsAndContractLiabilitiesTextBlock" nillable="true" xbrli:periodType="duration" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" />
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    <element id="SNFCA_ScheduleOfRestrictedAssetsInCemeteryAndMortuaryEndowmentCareAndPreNeedMerchandiseFundsTextBlock" name="ScheduleOfRestrictedAssetsInCemeteryAndMortuaryEndowmentCareAndPreNeedMerchandiseFundsTextBlock" nillable="true" xbrli:periodType="duration" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" />
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    <element id="SNFCA_ProceedsReceivedFromSaleOfFixedMaturityAvailableForSaleSecurities" name="ProceedsReceivedFromSaleOfFixedMaturityAvailableForSaleSecurities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
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    <element id="SNFCA_TotalSquareFootage" name="TotalSquareFootage" nillable="true" xbrli:periodType="instant" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_ApproximateSquareFootage" name="ApproximateSquareFootage" nillable="true" xbrli:periodType="instant" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_SquareFootageOccupiedByTheCompany" name="SquareFootageOccupiedByTheCompany" nillable="true" xbrli:periodType="instant" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_LotsAvailableForSale" name="LotsAvailableForSale" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_LotsToBeDeveloped" name="LotsToBeDeveloped" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_AllowanceForCreditLossesProvision" name="AllowanceForCreditLossesProvision" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
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    <element id="SNFCA_AllowanceForCreditLossesPremiumsAndOtherReceivablesChangeInProvision" name="AllowanceForCreditLossesPremiumsAndOtherReceivablesChangeInProvision" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
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    <element id="SNFCA_GainLossOnInvestmentsAndOtherAssets" name="GainLossOnInvestmentsAndOtherAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_AverageMarketValueOverAmortizedCost" name="AverageMarketValueOverAmortizedCost" nillable="true" xbrli:periodType="instant" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_DebtSecuritiesAvailableForSalePercentInvestmentGrade" name="DebtSecuritiesAvailableForSalePercentInvestmentGrade" nillable="true" xbrli:periodType="instant" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" />
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    <element id="SNFCA_InterestNotAccruedOnNonPerformingLoans" name="InterestNotAccruedOnNonPerformingLoans" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
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    <element id="SNFCA_StockIssuedDuringPeriodSharesStockOptionExercised" name="StockIssuedDuringPeriodSharesStockOptionExercised" nillable="true" xbrli:periodType="duration" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_VestingOfRestrictedStockUnits" name="VestingOfRestrictedStockUnits" nillable="true" xbrli:periodType="duration" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_RevenueFromCustomers" name="RevenueFromCustomers" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
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    <element id="SNFCA_AssetsFairValueDisclosureRecurring1" name="AssetsFairValueDisclosureRecurring1" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
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    <element id="SNFCA_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetAndLiabilityWeightedAveragePricePerShare" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetAndLiabilityWeightedAveragePricePerShare" nillable="true" xbrli:periodType="duration" type="dtr-types:perShareItemType" substitutionGroup="xbrli:item" />
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    <element id="SNFCA_TransferToMortgageLoansHeldForInvestment" name="TransferToMortgageLoansHeldForInvestment" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_ForeclosedIntoRealEstateHeldForSaleNetOfDerivativesLoan" name="ForeclosedIntoRealEstateHeldForSaleNetOfDerivativesLoan" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
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    <element id="SNFCA_FairValueOfFuturePolicyBenefitsAndUnpaidClaims" name="FairValueOfFuturePolicyBenefitsAndUnpaidClaims" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_InterestSensitiveInsuranceProductsRangePercentage" name="InterestSensitiveInsuranceProductsRangePercentage" nillable="true" xbrli:periodType="duration" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_MinimumPretaxLoss" name="MinimumPretaxLoss" nillable="true" xbrli:periodType="instant" type="dtr-types:perShareItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_SaleOfMortgageServicingRights" name="SaleOfMortgageServicingRights" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
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    <element id="SNFCA_PrepaymentSpeeds" name="PrepaymentSpeeds" nillable="true" xbrli:periodType="duration" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_AverageLifeInYears" name="AverageLifeInYears" nillable="true" xbrli:periodType="duration" type="xbrli:durationItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_DiscountRate" name="DiscountRate" nillable="true" xbrli:periodType="duration" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_ReceivablesFromSalesAgents" name="ReceivablesFromSalesAgents" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_AllowanceForDoubtfulAccountsReceivableChargeOffs" name="AllowanceForDoubtfulAccountsReceivableChargeOffs" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_AggregateEstimatedFairValueAllowanceForCreditLosses" name="AggregateEstimatedFairValueAllowanceForCreditLosses" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_CemeteryPerpetualCareObligation" name="CemeteryPerpetualCareObligation" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_TrustInvestmentsinExcessofTrustObligations" name="TrustInvestmentsinExcessofTrustObligations" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_AggregateFairValueAllowanceForCreditLosses" name="AggregateFairValueAllowanceForCreditLosses" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_UnrealizedNetGainsOnAvailableForSaleSecurities" name="UnrealizedNetGainsOnAvailableForSaleSecurities" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_IncreaseDecreaseInUnrealizedNetGainsOnAvailableForSaleSecurities" name="IncreaseDecreaseInUnrealizedNetGainsOnAvailableForSaleSecurities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_UnrealizedGainsOnRestrictedAssets" name="UnrealizedGainsOnRestrictedAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_IncreaseDececreaseInUnrealizedGainsOnRestrictedAssets" name="IncreaseDececreaseInUnrealizedGainsOnRestrictedAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_UnrealizedGainsOnCemeteryPerpetualCareTrustInvestments1" name="UnrealizedGainsOnCemeteryPerpetualCareTrustInvestments1" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_IncreaseDececreaseInUnrealizedGainsOnCemeteryPerpetualCareTrustInvestments" name="IncreaseDececreaseInUnrealizedGainsOnCemeteryPerpetualCareTrustInvestments" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="SNFCA_IncreaseDecreaseInOtherComprehensiveIncomeBalance" name="IncreaseDecreaseInOtherComprehensiveIncomeBalance" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
</schema>
